Payment terms calculator
Compare invoice payment terms.
Pick an issue date and see the exact due date for every common term side by side. Due on receipt, Net 7, Net 14, Net 30, Net 45, Net 60, or a custom number of days.
Quick answer
What does Net 30 mean?
Payment is due 30 calendar days after the invoice date.
- Invoice date:
- Sep 4
- Term:
- Net 30
- Due date:
- Oct 4
This is calendar-day counting, not business days, unless your agreement specifies otherwise.
Common terms, compared
Due on receipt
Tuesday, October 20, 2026
Payment is expected the day the invoice is received.
Net 7
Tuesday, October 27, 2026
Common for short, fast-turnaround engagements.
Net 14
Tuesday, November 3, 2026
A middle ground. Enough runway without a long wait to get paid.
Net 30
Thursday, November 19, 2026
The most widely used business term, especially with larger clients.
Net 45
Friday, December 4, 2026
Common with larger companies whose own payment runs are slower.
Net 60
Saturday, December 19, 2026
Longer terms, typically requested by the client rather than offered.
Custom term
Due date
Tuesday, November 10, 2026
This is a plain calendar calculation, not legal or tax advice, some contracts define “days” differently (business days vs. calendar days), so confirm what your agreement actually specifies.
Choosing a term
What to consider before you pick one.
Pick a term before work starts, not after the invoice is already overdue
Shorter terms (7–14 days) tend to get paid faster on average than longer ones
Net 30 is the most common default for business-to-business work
Longer terms (45–60 days) are usually requested by the client, not offered upfront
"Days" in most everyday use means calendar days. Confirm if your contract means business days instead
State the term on the invoice itself; a due date without stated terms invites disputes
Questions
Common questions about payment terms.
What does "Net 30" actually mean?
It means payment is due 30 calendar days after the invoice date, not 30 days after the work finishes or the client opens the email. The invoice date is the anchor.
Which payment term should I use?
Net 14 or Net 30 covers most everyday work. Shorter terms are reasonable for smaller or recurring engagements; longer terms are more common with larger companies whose own accounts-payable cycles are slower.
Is this legal or tax advice?
No. This tool does plain calendar-day arithmetic only. Contracts and local rules can define payment terms differently, so treat this as a quick reference, not a legal determination.
Can StitchInvoice apply these terms automatically?
Yes. Smart Terms in StitchInvoice sets the due date from your chosen term the moment you create an invoice, and can adjust reminder timing to match.
Let Smart Terms set the due date for you.
Choose a default term once in StitchInvoice, and every new invoice gets the right due date automatically, with reminders timed to match.
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